HDFC ERGO Health Insurance – HDFC ERGO Plans and Benefits and its Features

HDFC ERGO Health Insurance

HDFC ERGO Health InsuranceCompany is a joint venture undertaken by HDFC Limited and ERGO International AG(a Primary entity of Munich Re Group). This venture is divided by the ratio of 74:26 with HDFC Ltd. being the major holder. The HDFC Company has spread to 89 cities and has over 109 branches spread all over India. HDFC ERGO has been assigned an ‘iAAA” rating by ICRA owing to its highest claim for paying ability.

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Advantages of HDFC ERGO Health Insurance

The HDFC ERGO General Insurance Company is well known as the leader in the insurance industry because it gives the customers a little extra benefit when they buy insurance plans from the HDFC ERGO. Below the benefits of buying HDFC Ergo health insurance plans:

The HDFC Ergo health insurance has a tie-up with 4800+ hospitals around the country for availing cashless facilities and health care services.

There is a service of 24*7 call assistance for the settlement of claims.

The company provides the customers with Value Added Services, which enables enhancement of the sum insured in cases of claim free years.

List of Services provided by the HDFC company includes cover for pre-hospitalization and post-hospitalization expenses, day care procedures, costs incurred at home towards the treatment of the patient (domiciliary) and other such related expenses.

List of HDFC ERGO Health Insurance Plans

HDFC ERGO’s Health Suraksha Plan

HDFC ERGO’s Health Suraksha Plan is one of the plans in HDFC ERGO Health Insurance. With the HDFC ERGO Health Suraksha Health Plan, The people can approach a network of more than 5000+ hospitals in the country for availing cashless hospitalization and healthcare facilities. Health Suraksha offers a policy period of 1 year and two years with necessary sum insured per year ranging from Rs 3 to 10 lacs.

This Plan covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and the many such expenses incurred during the treatment. Also, a pre-policy check is available only if the individual’s age is above 45 years of age.

Eligibility criteria for Health Suraksha Plan by HDFC ERGO

Children above five years can cover their parents also covered under this policy.

There is no limit at the age of entry.

Key Features of HDFC ERGO’s Health Suraksha Plan

Health insurance plans available at affordable rates.

Choose either an Individual Health Insurance or a Family Floater Health Insurance.

Option to choose either an annual policy / a two-year policy.

Avail Cumulative Bonus at the end of each claim-free year.

Health check-up expenses covered in this plan on completion of 4 claim-free years.

Injuries caused due to an act of self-destruction, suicide or suicide attempts.

Radioactivity or war, terrorist activities.

HIV/AIDS.

Claims for an illness that may arise due to the intoxication of alcohol and drugs.

Plastic or cosmetic surgery unless performed as an internal part of the treatment.

Vaccinations including inoculation and immunizations taken for preventive measures.

HDFC ERGO Health Insurance Health Suraksha Gold

HDFC ERGO’s Health Suraksha Gold is an economic plan that provides a cover for the in-patient treatment costs, pre-hospitalization, and the post-hospitalization expenses. There are no sub-limits for the hospital room rents, charges, diseases and the doctor fees.

Eligibility Criteria

Children above five years can cover provided their parents also covered under this policy.

Health Suraksha with Regain and ECB

Health Suraksha with Regain and ECB insurance plan can avail the additional benefits of the automatic availability of sum insured upon its exhaustion. The services which are offered to you financial security with no sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Eligibility Criteria:

Children above five years can covered provided their parents also covered under this policy.

There is no limit at the age of entry.

Key Features:

4800+ network hospitals to avail cashless service.

It covers pre and posts hospitalization expenses.

Ayush covers provided without any sub-limit.

There are two options available they Individual policy or Family floater policy.

No sub-limits on room expenses, hospital charges, and ICU expenses.

Exclusions:

Any treatment within the first 30 days of cover except any accidental injury.

Hospitalization due to the war/acts of war, nuclear, chemical / biological weapon & radiation of any kind.

Pregnancy, dental and the external aids and appliances unless covered under specific Plans.

Abuse of intoxicant or a hallucinogenic substance like drugs and alcohol.

Terrorist activities, radioactivity or war.

Health Suraksha Gold with Regain and ECB

Health Suraksha Gold with Regain and ECB promises to be your biggest support at the time of medical emergencies when all you need is a strong helping hand to provide complete emotional security to your family without worrying about the finances.

Eligibility Criteria

Children above five years can covered provided their parents are also covered under this policy.

This cover will start once the deductible (expense which is incurred by the insured before the insurer starts paying) amount is exhausted.

Cashless services can avail in case of emergency.

Benefits

Claims settlement is hassle-free with fewer documents and the turn around time.

Cumulative bonus: Sum insured which is increased by 5 % on every claim-free renewal, and it can increase up to 50% on continuous claim free renewals.

In the case of a claim, the cumulative bonus will be reduced by 5%.

Income tax benefit can avail under the section 80D.

Exclusions

A waiting period of 30 days for claims, other than bodily injury.

Pre-existing diseases covered after 48 months of continuous coverage from the company.

Expenses incurred for the tonsils, surgery, are not covered for the first two years of this policy period.

Claims for diseases like sexually transmitted diseases and vaccination not covered.

HDFC ERGO Health Insurance Critical Illness Plan

HDFC Critical Illness Plan is a unique plan that offers a Lump Sum Benefit amount to the insured person on the first diagnosis after a survival period of 30 days and for any one of the eight such illnesses as specified in the Policy.

This plan covers the following illnesses:

Heart Attack (Myocardial Infarction)

Multiple Sclerosis

Stroke

Cancer

Major Organ Transplantation

Kidney Failure

Coronary Artery Bypass Surgery

Paralysis.

Exclusions:

The following are exclusions of this plan: –

A waiting period of 90 days.

Invasions, act of foreign enemy, war, the act of war or warlike operations.

Unlawful or criminal activity.

Intentional self-injury.

Attempt to suicide with being sane or insane.

Involvement or participation in the military, naval or air force operations.